Oklahoma SR-22 & High-Risk Auto Insurance
Oklahoma requires 25/50/25 liability coverage and is an at-fault state.
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Oklahoma at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers convicted of DUI, driving without insurance, causing an uninsured accident with injuries, or accumulating too many points face SR-22 filing requirements that last 3 years. The state uses a point system where 10 points in 5 years triggers license suspension, and the Department of Public Safety monitors compliance through electronic filing. Drivers with violations pay substantially higher premiums than the state average, making carrier selection critical.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$262–$317/mo
Typical monthly rate in Oklahoma, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Points on record: 6 points typically doubles rates; 10 points triggers suspension in Oklahoma
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See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 filing last in Oklahoma?
Oklahoma requires SR-22 filing for 3 years from the date of compliance. Any lapse in coverage during this period immediately suspends your license and restarts the 3-year requirement from zero. You must maintain continuous coverage without interruption to satisfy the filing period.
How many points suspend your license in Oklahoma?
Oklahoma suspends your license when you accumulate 10 points within 5 years. Points for common violations: speeding 1–10 mph over limit earns 2 points, 11–25 mph over earns 3 points, at-fault accidents earn 3 points, and reckless driving earns 4 points. Points remain on your record for 3 years from the conviction date.
How long do points stay on your license in Oklahoma?
Points remain on your Oklahoma driving record for 3 years from the conviction date, not the violation date. After 3 years, points fall off automatically and no longer count toward the 10-point suspension threshold. However, insurance companies may consider violations for 3–5 years when calculating premiums, even after points are removed.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Oklahoma minimums of $25,000/$50,000/$25,000 are insufficient for serious accidents. High-risk drivers should carry $100,000/$300,000 to protect assets and reduce future rate increases.
SR-22 Insurance
Certificate of financial responsibility filed electronically by your carrier to the Oklahoma DPS. Required for DUI, suspensions, and uninsured accidents. Must remain active for 3 years without any coverage lapse.
Full Coverage
Combines liability, collision, and comprehensive insurance. Required by lenders for financed vehicles. High-risk drivers pay $2,200–$4,500 annually in Oklahoma, 50–120% more than drivers with clean records.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, suspensions, multiple violations, or lapses. Non-standard carriers accept high-risk profiles that standard insurers decline, typically charging 40–80% more than standard market rates.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance. Oklahoma does not require UM coverage, but approximately 13% of state drivers are uninsured. Adds $8–$20 monthly for minimum limits.
Collision Coverage
Covers damage to your vehicle in an accident, regardless of fault. Required by lenders but optional for vehicles owned outright. High-risk drivers pay 60–100% more for collision than standard drivers.